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〃Oh； yes。 I hear it all the time；〃 said rich dad。 〃I hear things like； ‘Well； everyone has to work。' Or ‘The rich are crooks。' Or ‘I'll get another job。 I deserve this raise。 You can't push me around。' Or ‘I like this job because it's secure。' Instead of； ‘Is there something I'm missing here？' which breaks the emotional thought； and gives you time to think clearly。〃
I must admit； it was a great lesson to be getting。 To know when someone was speaking out of emotions or out of clear thought。 It was a lesson that served me well for life。 Especially when I was the one speaking out of reaction and not from clear thought。
As we headed back to the store； rich dad explained that the rich really did 〃make money。〃 They did not work for it。 He went on to explain that when Mike and I were casting 5cent pieces out of lead； thinking we were making money； we were very close to thinking the way the rich think。 The problem was that it was illegal for us to do it。 It was legal for the government and banks to do it； but not us。 He explained that there are legal ways to make money and illegal ways。
Rich dad went on to explain that the rich know that money is an illusion； truly like the carrot for the donkey。 It's only out of fear and greed that the illusion of money is held together by billions of people thinking that money is real。 Money is really made up。 It was only because of the illusion of confidence and the ignorance of the masses that the house of cards stood standing。 〃In fact；〃 he said； 〃in many ways the donkey's carrot was more valuable than money。〃
He talked about the gold standard that America was on； and that each dollar bill was actually a silver certificate。 What concerned him was the rumor that we would someday go off the gold standard and our dollars would no longer be silver certificates。
〃When that happens； boys； all hell is going to break loose。 The poor； the middle class and the ignorant will have their lives ruined simply because they will continue to believe that money is real and that the pany they work for； or the government； will look after them。〃
We really did not understand what he was saying that day； but over the years it made more and more sense。
Seeing What Others Miss
As he climbed into his pickup truck； outside of his little convenience store； he said； 〃Keep working boys； but the sooner you fet about needing a paycheck； the easier your adult life will be。 Keep using your brain； work for free； and soon your mind will show you ways of making money far beyond what I could ever pay you。 You will see things that other people never see。 Opportunities right in front of their noses。 Most people never see these opportunities because they're looking for money and security； so that's all they get。 The moment you see one opportunity； you will see them for the rest of your life。 The moment you do that； I'll teach you something else。 Learn this； and you'll avoid one of life's biggest traps。 You'll never； ever； touch that Tar Baby。〃
Mike and I picked up our things from the store and waved goodbye to Mrs。 Martin。 We went back to the park； to the same picnic bench； and spent several more hours thinking and talking。
We spent the next week at school； thinking and talking。 For two more weeks； we kept thinking； talking； and working for free。
At the end of the second Saturday； I was again saying goodbye to Mrs。 Martin and looking at the icbook stand with a longing gaze。 The hard thing about not even getting 30 cents every Saturday was that I didn't have any money to buy ic books。 Suddenly； as Mrs。 Martin was saying goodbye to Mike and me； I saw something she was doing that I had never seen her do before。 I mean； I had seen her do it； but I never took notice of it。
Mrs。 Martin was cutting the front page of the ic book in half。 She was keeping the top half of the ic book cover and throwing the rest of the ic book into a large brown cardboard box。 When I asked her what she did with the ic books； she said； 〃I throw them away。 I give the top half of the cover back to the icbook distributor for credit when he brings in the new ics。 He's ing in an hour。〃
Mike and I waited for an hour。 Soon the distributor arrived and I asked him if we could have the ic books。 To which he replied； 〃You can have them if you work for this store and do not resell them。〃
Our partnership was revived。 Mike's mom had a spare room in the basement that no one used。 We cleaned it out； and began piling hundreds of ic books in that room。 Soon our icbook library was open to the public。 We hired Mike's younger sister； who loved to study； to be head librarian。 She charged each child 10 cents admission to the library； which was open from 2：30 to 4：30 p。m。 every day after school。 The customers； the children of the neighborhood； could read as many ics as they could in two hours。 It was a bargain for them since a ic costs 10 cents each； and they could read five or six in two hours。
Mike's sister would check the kids as they left； to make sure they weren't borrowing any ic books。 She also kept the books； logging in how many kids showed up each day； who they were； and any ments they might have。 Mike and I averaged 9。50 per week over a threemonth period。 We paid his sister 1 a week and allowed her to read the ics for free； which she rarely did since she was always studying。
Mike and F kept our agreement by working in the store every Saturday and collecting all the ic books from the different stores。 We kept our agreement to the distributor by not selling any ic books。 We burned them once they got too tattered。 We tried opening a branch office； but we could never quite find someone as dedicated as Mike's sister we could trust。
At an early age； we found out how hard it was to find good staff。
Three months after the library first opened； a fight broke out in the room。 Some bullies from another neighborhood pushed their way in and started it。 Mike's dad suggested we shut down the business。 So our icbook business shut down； and we stopped working on Saturdays at the convenience store。 Anyway； rich dad was excited because he had new things he wanted to teach us。 He was happy because we had learned our first lesson so well。 We had learned to have money work for us。 By not getting paid for our work at the store； we were forced to use our imaginations to identify an opportunity to make money。 By starting our own business； the icbook library； we were in control of our own finances； not dependent on an employer。 The best part was that our business generated money for us； even when we weren't physically there。 Our money worked for us。 Instead of paying us money； rich dad had given us so much more。
CHAPTER THREE
Lesson Two：Why Teach Financial Literacy？
In 1990； my best friend； Mike； took over his father's empire and is； in fact； doing a better job than his dad did。 We see each other once or twice a year on the golf course。 He and his wife are wealthier than you could imagine。 Rich dad's empire is in great hands； and Mike is now grooming his son to take his place； as his dad had groomed us。
In 1994； I retired at the age of 47； and my wife； Kim； was 37。 Retirement does not mean not working。 To my wife and me； it means that barring unforeseen cataclysmic changes； we can work or not work； and our wealth grows automatically； staying way ahead of inflation。 I guess it means freedom。 The assets are large enough to grow by themselves。 It's like planting a tree。 You water it for years and then one day it doesn't need you anymore。 It's roots have gone down deep enough。 Then； the tree provides shade for your enjoyment。
Mike chose to run the empire and I chose to retire。
Whenever I speak to groups of people； they often ask what I would remend or what could they do？ 〃How do they get started？〃 〃Is there a good book I would remend？〃 〃What should they do to prepare their children？〃 〃What is the secret to success？〃 〃How do I make millions？〃 I am always reminded of this article I was once given。 It goes as follows。
THE RICHEST BUSINESSMEN
In 1923 a group of our greatest leaders and richest businessmen held a meeting at the Edgewater Beach hotel in Chicago。 Among them were Charles Schwab； head of the largest independent steel pany； Samuel Instill； president of the world's largest utility； Howard Hopson； head of the largest gas pany； Ivar Kreuger president of the International Match Co。； one of the world's largest panies at that time； Leon Frazier； president of the Bank of International Settlements； Richard Whitney； president of the New York Stock Exchange； Arthur Cotton and Jesse Livermore； two of the biggest stock speculators； and Albert Fall； a member of President Harding's cabinet。 Twenty five years later nine of them （those listed above） ended as follows。 Schwab died penniless after living for five years on borrowed money。 Instill died broke living in a foreign land。 Kreuger and Cotton also died broke。 Hopson went insane。 Whitney and Albert Fall were just released from prison。 Fraser and Livermore mitted suicide。
I doubt if anyone can say what really happened to these men。 If you look at the date； 1923； it was just before the 1929 market crash and the Great Depression； which I suspect had a great impact on these men and their lives。 The point is this： Today we live in times of